My dog had diarrhea when she was a 3 month old puppy, was put on meds and recovered. I decided to get the AKC pet insurance later on when she was 7months old. When she was 11 months old she tore up her plastic crate and ate some of it. I took her in because I was concerned about her and she started to not eat her food as well as she did in the past. I had multiple tests run to make sure none of the plastic peices were stuck in her digestive system. It ended up just being upset tummy due to the plastic and she recovered with just being on some Pepcid. When I submitted my claim, I received an EOB saying it was a pre-existing condition. I called to figure out what they were talking about because it was certainly not pre-existing, it was an acute occurrence- she ate her crate which gave her gastritis!!! The representative told me that because she had been seen for gastric problems in the past, that it was a pre-existing condition. Basically any problem that your dog has ever been seen for in the past (before getting the coverage) will not be covered in the future even if it is totally unrelated in the cause. She said I could go back to the vet and fill out forms to re-evaluate, but I just decided to cancel the coverage. I could tell by the way things were headed that everything would be pre-existing if they had EVER been seen for any past problem, even if it had been 6+ months since the dog had been to the vet, had fully recovered, and the new incident was totally unrelated. I would not recommend this insurance. Get a savings account and put money in it each month- you'll be FAR BETTER OFF. People don't have time to argue and fill out more forms and re-submit. It also took about a month for them to process the claim I submitted. It isn't worth the hassle!